How old is your house? It may already have some floor installation?   5mm XPS isn't very much insulation.  Ideally you would want 10 to 40 times that, but that would not be practical.   I would go online and look up a floor u value calculators and play with that.   That will tell you the floor u value, which is the amount heat you loose downwards in watts per m2 per degree.   So if you have a 30 degree mean flow temp, the ground is 8, you have a delta T of